insights

Preparing for retirement

It's easy to see what your retirement might look like. Just log in, answer a few questions and get a Retirement Profile to help you plan for the retirement you want.
Watch a short video to see how it works
New Retirement Timeline feature can help you track your personal retirement milestones.
Get started

How the Retirement Profile works

Cartoon dream bubble of family of four

What you share in the Retirement Profile stays within TIAA. This material is for informational or educational purposes only and does not constitute investment advice under ERISA. No changes will be made to your actual accounts. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made based on the investor’s own objectives and circumstances. Certain products and services are only available to eligible individuals. 

How to Prepare

Preparing for a conversation about your income plan

1
Put yourself in a retirement frame of mind
2
Understand the unique challenges in retirement
3
Brush up on Social Security and Medicare
4
Learn about annuity options
Income planning

Building a diversified income plan

Wondering how you’ll replace your income when you retire and if you’ll have enough to last for as long as you live? The resources below can help you start planning.

Replacing your salary

Learn how you can design an income plan with a balance of guaranteed income* and growth potential.
Watch video
 

Choosing your options

Explore the different income options available with your TIAA retirement plan.
Learn more

Getting income

See how much lifetime income you can get from your retirement savings.
Calculate
 
INCOME PROFILES

See how people like you did it

We created profiles based on the experiences of real people to showcase different types of retirement considerations. Read our latest study that captures the thoughts and feelings of 1,000 people who are retiring within the next five years.
icon-planners

The long-term planners

Al & Sarah
Stable financial situation, conservative, long-term planners who are nearing retirement.
Learn More
icon-conservative

Conservative & semi-retired

Pam & John
Financially stable, conservative, long-term planners who are semi-retired.
Learn More
icon-hands

Financially limited

Charles
Retired, financially limited, and a moderate risk taker.
Learn More
icon-moderate

The moderate risk taker

Danielle
Retired, financially stable, moderate-aggressive risk taker.
Learn More
icon-advice

Nervous Nellies

Clara & Eduardo
Nearing retirement, financially stable, nervous about market volatility.
Learn More
icon-aggressive

The aggressive risk takers

Frank & Pete
Nearing retirement, financially limited, aggressive risk takers.
Learn More
Next Steps

Consider getting started

Calling us

We’re here to help.
 
Weekdays, 8 a.m. – 7 p.m. (ET)
 
888-583-2535
Call now

Schedule a call

Tell us when to call you.
 
 
Schedule a Call

Starting your profile

You can log in and start your retirement profile.
Start my profile
* Any guarantees under annuities issued by TIAA are subject to its claims-paying ability.
This material is for informational or educational purposes only and does not constitute investment advice under ERISA. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made based on the investor’s own objectives and circumstances.
The Preparing for Retirement tool provides education about the retirement process, and includes examples based on a composite of random TIAA clients. In making the tools and information available to you, we assume that you are capable of evaluating the information and exercising independent judgment over your investments and do not need or intend to rely on our advice or recommendations. You should not buy or sell any security or other investment property without first considering whether it is appropriate for you based on your own particular situation based on your independent determination. TIAA-CREF Individual & Institutional Services, LLC will not perform any suitability or other analysis to check, for example, whether a security or other investment property you select through this tool is consistent with your investment objectives. If you need or want advice or recommendations in choosing investments, please call us at 800-842-2252. We are here to help.
Certain products and services may not be available to all entities or persons.
Please note that TIAA is not responsible for the content or privacy policies of third-party sites that may be referenced in this article or to which you may link from this article. TIAA does not endorse or recommend the products, services, or information found on any third-party site.
IMPORTANT: The income assessment, projections and other information presented or generated by Preparing for Retirement are purely hypothetical in nature, do not in any way reflect actual investment results, and are not guarantees of future results.
This tool provides educational information on some of the big decisions in preparing for retirement and can help you develop your retirement planning know-how.
You should not view or construe the tools and information as a suggestion by TIAA that you take or refrain from taking a particular course of action, as the advice or recommendation of an impartial fiduciary, or as an offer to sell or a solicitation to buy any securities or other investment property. You cannot buy or sell securities or other investment property through this tool. If you need or want advice or recommendations regarding your retirement circumstances and needs or in choosing investments, please call us at 888-583-2535. We are here to help.
1172924